Cigna VHIS Series


WORLDWIDE HEALTH INSURANCE FOR YOUR PROTECTION



Full cover from 4th year onwards

Cigna VHIS Series Registration Number of VHIS Provider: 00031 Registration Effective Date: 28 February, 2019 |
STANDARD PLAN
S00031-01-000-01
|
FLEXI PLAN
(SMM) F00012-01-000-01
|
FLEXI PLAN
(SUPERIOR) F00016-(01 to 04)-000-01
|
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Hospitalization benefits
i
Benefits include:
| Standard VHIS cover | Standard VHIS cover | Full compensation |
Surgical benefits
i
Benefits include:
| Standard VHIS cover | Standard VHIS cover | Full compensation |
Diagnostic Imaging
i
This means:
Prescribed Diagnostic Imaging tests (CT scan, MRI scan, PET scan, PET-CT combined and PET-MRI combined); Standard VHIS cover is subject to 30% co-insurance
| Standard VHIS cover | Standard VHIS cover | Full compensation |
Cancer Treatment
i
This means:
Prescribed Non-surgical Cancer Treatments which covers chemotherapy, radiotherapy, targeted therapy, immunotherapy and hormonal therapy for cancer treatment
| Standard VHIS cover | Standard VHIS cover | Full compensation |
Other VHIS benefits
i
Benefits include:
| Standard VHIS cover | Standard VHIS cover | Standard VHIS cover |
Enhanced benefit: Outpatient Kidney Dialysis
i
This covers the ongoing cost of dialysis treatment for kidney failure, carried out in a clinic or on a day patient basis at a hospital
| Full compensation |
||
Enhanced benefit: SMM
i
Supplementary Major Medical
This pays you any remaining eligible expenses after VHIS Standard Plan benefits are exhausted, subject to 20% co-insurance | Not Applicable (Full compensation available to all core benefits) |
||
Annual Benefit Limit | $420,000 | $540,000 | $5,000,000 |
Lifetime Benefit Limit | $20,000,000 | ||
Annual Deductible
i
We will start paying for the covered medical expenses once the deductible amount has been reached. The deductible will be covered either by you or your other insurance plan(s).
| $0 | $15,000 | $25,000 | $50,000 |
||
Entry age | 15 days to 80 years | 15 days to 80 years | 15 days to 80 years |
Protection period | 1 year and guaranteed renewable to age 100 | 1 year and guaranteed renewable to age 100 | 1 year and guaranteed renewable to age 100 |
Premium payment term | Until the end of protection period | Until the end of protection period | Until the end of protection period |
Premium structure | Yearly adjustable | Yearly adjustable | Yearly adjustable |
Premium payment frequency | Annual / Monthly | Annual / Monthly | Annual / Monthly |
Policy currency | HKD | HKD | HKD |
This table represents a summary of the product features; please refer to the brochure and policy documents for the full Terms and Benefits. | Get a Quote | Get a Quote | Get a Quote |

Premiums you pay for VHIS Certified Plans covering you and your dependants are eligible for tax deduction, based on the Government’s recent update to the Inland Revenue Ordinance. The maximum tax deduction is $8,000 per insured person per year, with no cap on the number of policies or dependants you claim a deduction for.

We will start paying for the covered medical expenses once the deductible amount has been reached. The deductible will be covered either by you or your other insurance plan(s).
Standard Plan
- basic hospital cover with government endorsement, clear pre-defined terms and conditions
- tax deduction on premium paid
- affordable prices
- no exclusions added even if her health circumstances change over time
Benefit item | HK$ |
Surgeon's fee | 12,000 |
---|---|
Operating theatre charges | 3,000 |
Anaesthetist’s fee | 3,000 |
Total covered | 18,000 |
- No shortfall remains and Vanessa can rest assured with easy recovery without financial strain.
Flexi Plan (SMM)
Benefit item (HK$) | Sub total | In excess of item limit |
Room and board | 2,250 | |
---|---|---|
Miscellaneous charges | +14,000 | 50,000* |
Surgeon's fee | +25,000 | 80,000* |
Operating theatre charges | +8,750 | |
Pre- and post-Confinement / Day Case Procedure outpatient care | +1,500 | |
Supplementary Major Medical Benefit* $(50,000+80,000)x 80% | +104,000 | N/A |
Total claim payable | =155,500 | N/A |
Co-insurance borne by Helena out-of-pocket $(50,000+80,000)x 20% | -26,000 | N/A |
Total premium paid for both policies $(4,204+4,307+4,412+4,520+4,630)x2 | -44,146 | N/A |
First year Premium Discount Spouse Discount: each 10% off Online Discount: each 15% off $4,204 x 2 x 25% | +2,102 | N/A |
ax benefit for both policies $(44,146 – 2,102 ) x15% (Assume 15% standard tax rate applies) | +6,307 | N/A |
Net saving | =93,763 |
*Premium level is subject to change from time to time due to medical inflation.
Flexi Plan (Superior)
Deductible HK$25,000 for her own policy | HK$0 for her son’s policy.
HK$ | |
Hospitalisation expenses incurred in Japan | 230,000 |
---|---|
Post-confinement outpatient expenses in Hong Kong | +3,000 |
Total medical expense | =233,000 |
Deductible – covered by group plan | -25,000 |
Total claim payable (no itemised dollar limit) | =208,000 |
Total premium paid for both policies $(6,099+6,340+6,617)+$(6,974+6,781+6,587) | -39,398 |
First year Premium Discount Children Discount: Children 10% off $6,974 x 10% | +697 |
Tax benefit for both policies $(39,398 – 697) x15% (Assume 15% standard tax rate applies) | +5,805 |
Total covered | =175,104 |
*Premium level is subject to change from time to time due to medical inflation.
- Standard policy terms and conditions, benefit coverage and amount
- No lifetime benefit limit
- Premium transparency
- Guaranteed renewal up to age 100
- Cover for unknown pre-existing conditions, congenital conditions, non-surgical cancer treatment, day-case procedures and advanced diagnostic imaging tests etc.
All Standard Plans offered by different insurers share the same core features with standard benefit amounts on the basic coverage.
Meanwhile, the coverage and benefit amounts of Flexi Plans are up to insurers' discretion, although they must be at least as comprehensive as what the Standard Plan offers.
Yes, you can. All Standard Plan coverage (except on psychiatric treatment) is worldwide. Flexi Plans must offer at least Standard Plan level coverage on a worldwide basis, while there can be restrictions on the enhanced coverage by region (e.g. Asia only). In other words, no matter if it is a Standard Plan or Flexi Plan you are holding, you can rest assured that any medical expenses incurred outside Hong Kong will be covered at least to the level of the Standard Plan.
Note that the Supplementary major medical benefit of Flexi Plan (SMM) is restricted to Hong Kong, while the "Full compensation" benefits of Flexi Plan (Superior) are restricted to Asia (including Australia and New Zealand). Refer to the brochure for more detailed explanation.
on our website
with your Independent Financial Advisor
or through our dedicated hotline at (852) 8100 2071
Yes, you can.
Policy migrations to Cigna's Certified Plans from any other Cigna products, or vice versa, are all regarded as applications for a new policy. That means that underwriting is required, and the coverage and premiums may be affected by any health conditions that may have developed since you started your original cover.
For policy migration among Certified Plans, re-underwriting is waived for benefit downgrade (e.g. from Flexi Plan to Standard Plan or increasing deductible option). In other cases, i.e. where you are applying to increase your coverage, re-underwriting is required.
If you are an existing Cigna policy holder and wish to consider your options with VHIS, please call our hotline on (852) 8100 2071.
Sure. Please click the links below or visit VHIS Office website to learn more.
Cigna VHIS Series – Standard Plan
Cigna VHIS Series – Flexi Plan (SMM)
Cigna VHIS Series – Flexi Plan (Superior)
your HKID no.
the ID (HKID or otherwise) of any family members you wish to cover your basic contact information
the height, weight, and medical history details of you or any family members you wish to cover your credit card information
Premiums paid into VHIS plans from 1 April 2019 will count towards tax deduction, so the first tax year affected will be the one ending 31 March 2020.
Soon after the end of each tax year following VHIS launch, we will provide you with a record of all eligible premiums paid (along with any premium refunds made) during that tax year. You can use this as reference when filing your tax return. Note that you can only claim tax deduction on VHIS premiums paid during the applicable tax year.
- The above promotional offer (the “Promotion Discount”) is only applicable to successful application (each an “Entitled Policy”) of “Cigna VHIS Series – Flexi Plan (SMM)” (the “Designated Plan”) through telemarketing channel of Cigna.
- The above promotion starts from 1st April 2020 and ends automatically after receiving 200 successful applications.
- All application(s) for the Plan(s) are subject to underwriting and approval by Cigna. Cigna reserves the right to accept or decline any application.
- The sequence of applications and relevant entitlement of Promotion Discount will be based on Cigna’s record. In case of any disputes, Cigna’s decision shall be final.
- The Promotion Discount is applicable to premium of the first policy year of an Entitled Policy. The premium payable from 2nd year onwards shall refer to the latest Standard Premium Schedule of “Cigna VHIS Series – Flexi Plan (SMM)” issued by Cigna at policy renewal.
- The actual premium payable is subject to age and smoking habit of the person insured. For the avoidance of doubt, any case-based premium loading (if applicable) shall be charged with the Promotion Discount. Cigna has the right to final decision.
- In case of cancellation of the Entitled Policy within the cooling off period, the refund of premium shall be the actual amount paid after discount.
- This promotional offer cannot be used in conjunction with other promotional offer applicable to the Designated Plan at the same time.
- The Promotion Discount is not returnable and cannot be altered or redeemed for cash under any circumstances.
- Cigna reserves the right to amend these Terms and Conditions and may withdraw or discontinue this promotion without prior notice. In case of any disputes, Cigna’s decision shall be final.
- The terms and conditions included in this leaflet apply to the Offer only. For details of the features, contents, terms, conditions and exclusions of the Designated Plan, please refer to the relevant product brochure(s) and policy provision(s).
- The English version of the terms and conditions of the Offer shall prevail if there is any discrepancy between the English and Chinese versions.